David Setti – TurnKey Mortgage Solutions

My husband and I just bought our first home together. Dave Setti was highly recommended to us by two different realtors early in our home-​hunt process. Both of them were absolutely correct! When we first met with Dave, he spent more than an hour with us walking through the lending process, our lending options, and the impact on our budget. We were completely in sync with Dave, wanting to focus on the home we could afford rather than the crazy amount a lender might be willing to lend us. He happily spent the time we needed to make sure we understood how the tax benefits would work and to help us understand the process. When we fell in love with the house that is now our home, Dave made all the difference in getting our offer accepted. Dave and his wonderful team at TurnKey move quickly and respond promptly. They are available by text, email, and phone as much as needed when you are in the middle of the offer/​negotiation process. We beat out a higher bid with better terms, and this is in large part because Dave and the TurnKey team could move fast and worked round-​the-​clock to help us get the house we wanted.

We met with three other mortgage brokers before we found Dave Setti; he gave us THE BEST, most concise, real and accurate understanding of the mortgage and home buying process that we had ever heard. We had an honest conversation about what we can afford vs. what we want to afford comfortably, and he gave us fantastic guidance. We closed in 21 days because Dave and his team are so detail oriented, attentive, caring and professional.
We are astonished at how amazing Dave and his team are. We have already recommended him to everyone we know, including real estate attorneys looking for good mortgage brokers to recommend. For the first two weeks in our new home, every day I said a prayer of gratitude for Dave Setti and our equally amazing real estate agent, Kendra Gaeta. They were quite a team.

I was a first-​time home buyer and mortgage seeker. I initially went to my bank (Chase) to get a mortgage and found the lender untrustworthy. She tried to convince me to get a larger mortgage than needed, and ultimately wasn’t able to give me concise answers to my questions. My realtor recommended meeting Dave, and it was a completely different experience. He explained the whole process to me in person (with his own material and whiteboard discussion), made himself available for any questions, and ultimately got a rapid turnaround on close.
I was totally satisfied with Dave and TurnKey. I strongly recommend him to friends, and I would absolutely go back to him for future financing needs.

Yes, Dave is as good as it gets! My sister and I just purchased our first home with Dave’s support and guidance. We were so impressed with Dave’s team! They really know how to take care of you. The first time we met Dave, he was ready to make this idea into a reality. The white board he used to explain everything was amazing! I’m defiantly a more visual learner and this huge whiteboard made it easier and comfortable for us to understand. Dave is really good at explaining everything and understanding his client’s needs and ideas. We are so happy we didn’t go with a mobile home — Dave shook his head and said «good choice guys» — and stuck to a plan we were happy with — a single family house in the Bay Area! Dave is a true professional and we are telling all our friends about him and his amazing staff!!!

We did a re-​fi with Dave. Wow! What a great experience. He is very knowledgeable but more importantly he broke down the information step by step that we virtually had no questions! If you are a visual person, he will write down all your options on a white board so it is very clear. Communications (Phone, Text & email) with Dave is almost instantaneous (I don’t think he ever sleeps!) You really need to contact him if you are looking to fund or re-​fi your loan, you won’t be disappointed!

I can never look at another white board the same again! I met Dave late August through our realtor Christina. We were pretty skeptical being renters our whole life. But we heard great things about Dave and wanted to see what he’s all about. The first appointment and consultation with him was amazing. He told us on the spot how owning a home would feel like a-​z. The white board he used was very helpful and had great meaning to it when we finished. Bottom line: I qualified to buy a home in this ridiculous area. Yes, me!
Now to the present, we are first time home owners living the American Dream. Dave was there for us through all the war bids and offerings. It was intense. But we made it! From renting for over 25 years and to say we have something to call home is magical. I don’t know about you, but I wouldn’t mind going through this again. (;
Thank you Dave and his team for your quick response and amazing turn around time. Very professional yet personable to work with. Treated with respect and at times, he dealt with my blonde moments. That’s a super plus. We definitely can’t wait to do this again!

Lisa Grisalin, our realtor, recommended Dave, and we couldn’t have been happier with our house-​buying experience. The entire process was efficient, transparent and surprisingly convenient.
We really liked being able to schedule our document signing. Buying a house in California proved to be much less disruptive to our regular lives than buying a house in Maryland. All our questions were answered quickly, and Dave’s team inspired confidence and trust. We’ve already recommended Dave and Lisa to a friend, and will definitely use their services again if the need arises.

Dave came highly recommended by two couples that had worked with him on their mortgages. I remember hearing them talk about how great this «Dave» guy was and how when we bought a house, «we had to use Dave!» So when we were ready, we gave him a call. And our friends were right. Dave was awesome. He made us feel comfortable by explaining the mortgage process, writing it out on his white board, supplying us with packets and communicating with us effectively over email/​text. He also referred us to our realtor and we were able to find our dream home… and then pay for it. Thanks Dave!

Dave is the best! He quickly understood what my wife and I were trying to do and then translated that into what he needed from us and what our mortgage payment/​situation was going to look like. The way that he «whiteboards out» the mortgage is awesome and immediately made me feel very confident in him and his team. I would not hesitate from using him again and again.

Dave was wonderful! We purchased our house in 3 weeks! He was responsive, available, flexible, and efficient. Did I mention he’s hilarious?
My husband and I really enjoyed working with him and have him and his team to thank for our lightening house-​buying process.
I will definitely recommend him to my friends and family.
Thank you Dave!

My husband and I just finished moving into our new home and we have Dave to thank for it! Our realtor recommended Dave to us based on his personalized service and his ability to provide a quick closing. After putting in multiple offers, our financing with Dave was one of the main reasons that our offer was finally chosen in this competitive market. Dave worked closely with our realtor and provided personalized letters and phone calls to the selling realtor with every offer we made. The Bay Area housing market is intense and sellers want the quickest and cleanest close possible, both of which Dave provided (we even closed earlier than the 30 days we contracted for!)
Being first time homebuyers we didn’t know what to expect but Dave mapped everything out for us and provided us with breakdowns so that everything was understandable. Not only did he provide us with everything on paper but he was there to answer our calls and emails all the time! Better yet, he made it very clear that our close was just the beginning of our relationship and has already started planning with us about the best time to refinance in the future. We are very impressed with Dave and Turnkey Mortgage and highly recommend him!

Dave Setti has made my dream a reality. Thanks to him and his team, I was able to get a loan and purchase my first home. Prior to meeting with Dave, I saw two other loan officers who made me feel extremely uncomfortable, they rushed through the initial meeting and left me with more questions than answers. After my first meeting with Dave, I immediately knew that I am in good hands! I walked into the office and was greeted and offered a beverage. The meeting with Dave started on time, he was very professional, took his time, and explained the entire process, from start to finish, stopping and making sure that everything was clear to me. It was immediately evident that Dave was not just operating a business focused purely on profits, but was in fact looking out for my best interest, making sure I buy something that I can truly afford. Apart from this, Dave wrote numerous pre-​approval letters, for every offer we made. He even committed to writing an actual approval letter before I found my home, in order to make my offer look more attractive. Once I found my dream home, Dave worked quickly to make sure that we secured the loan, which we did. Throughout this entire process Dave was always available to answer not only my questions, but those of my parents (and we had a TON of difficult questions). He responded to emails almost immediately, even on weekends and after hours. My loan situation was not straight forward, it was complex, but thanks to the help of Dave Setti and TurnKey solutions, I was able to get a loan and purchase my first home! If things go well, I will DEFINITELY be working with Dave again!

Dave and his team at Turnkey are amazing! My husband and I purchased a new construction home and worked with Dave to finance it. Even if it was 11pm and I thought of another question, Dave was quick to respond. I’ve never worked with someone so dedicated and responsive. Through the long process we had to endure to get our home, I knew I could always count on Dave to be on time with things on his end. I highly recommend Dave and his awesome team. They are dedicated, hard working, and go above and beyond. Thank you again, Dave! If ever we are in a position to purchase another home I will definitely be contacting you.

Dave and his team are amazing. With our initial meeting/​consultation, he was very accommodating with our appt time, patient with our rambunctious toddler, and very knowledgeable. He was able to educate us on what was realistic in terms of purchasing cost and affordability. When we eventually placed an offer on a home, he happened to be on vacation (he deserved it!). But his team stepped up and the whole process was a breeze. Drew Frampton was easy to work with. Overall, the entire team was easy to connect with, patient and knowledgeable. They have exceeded all expectations!

We were so impressed by David that we just had to let everyone else know what a great broker he is. The first time we met with him he used the whiteboard in his office to lay out all of the details of our purchase. He is excellent at explaining everything. We came up with an amount that would work with our budget and we started shopping!
Dave was literally available any time we had a question. It didn’t matter what time of the day or night it was, he returned our calls immediately. He was a pleasure to work with. We ended up with our dream home and with a mortgage that was just right for us. Dave is a true professional and we highly recommend him.

Dave and team just recently closed our loan on a home in Los Angeles. Turnkey came highly recommended and we decided to go with them despite their being based in the bay area. What a good choice this turned out to be. As first time homebuyers we needed a lot of support and guidance along the way, and after burning through three poor real estate agent choices, we would have lost our minds if it hadnt been for turnkey’s rock solid support along the way.
several agents cautioned us about using out of area loan services but this turned out to be untrue, as Turnkey were our most trusted partners and repeatedly provided superior advice and counsel through the transaction process.
down to earth, calm, organized and always responsive. They closed our loan on good terms on an aggressive timeline. I give them 6-​stars out of five.

Dave has recently closed on a loan for home we just purchased. Not only is he fully committed to his clients he explains everything up front. There are no bad surprises with Dave. We closed on time and we were given the best loan product with my credit scores and the current environment.
I would highly recommend him to anybody seeking an aggressive closing timeframe. In fact he has referred me to do a refinance for an investment property.

Dave was excellent. We were first home buyers and looking to purchase with comfort and ease so as to not only be comfortable in our decision, but to be educated in the process. He walked us through the first meeting pitch which was much more informative than we had received at other lending options: current mortgage trends, when & why to be concerned with pricing, and where else to go if you’re just looking for a piece of paper for an offer — not the only angle we were after. He took care not out being his business, but because he genuinely loves this industry; it showed with flying colors.
We had worked with him over the course of half a year, always ready to answer our questions. Once we found the home we loved enough to put down an offer, it took only 20 days to close escrow. If/​when we choose to go with another loan, we will most certainly be looking Dave and his services up in the future!

I will never go to anyone else for any mortgage needs! I have already let all my friends and family know that if they are ever looking to buy a home I have the guy for them!
My husband and I are in week 2 of living in our first home. Dave helped us through every step and was beyond amazing. I felt like I was visiting with a friend every time we were at his office. We had to bring our 1 year old little boy with us every time and he was beyond understanding to him playing on the ground as we went over paper work.
Needless to say our purchase was a little difficult but Dave got us approved and onto owning our first home! We wouldn’t have wanted to go through all the craziness that is purchasing a house with anyone else. I would recommend him to everyone I know!
Thanks Dave!

One of the best companies in the Bay Area we’ve worked with! Turn Key defines customer service, and delivers.
My wife and I recently sold our home and purchased a new one. We were referred to Dave Setti by our realtor, and at the time, we just took her word that he was good.
Mortgage can be a stressful process, but it never felt that way with Dave. We were always in communication, knew our options, and even when things got bumpy (which happens occasionally), Dave kept things in perspective and walked us through it. He’s clear, concise, and is happy to explain (and re-​explain) things in order to ensure you know what the heck is going on.
On another note, it’s evident that Dave hires very methodically in order to create a strong culture in the office … so you can expect similar high quality service from anyone else you may encounter in the office.
Don’t hesitate to use this service, you’ll be happy you did!